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At Murphy & Murphy Law Offices, we are not in the business of selling insurance. However, you must have full knowledge and information available to you when purchasing automobile insurance. According to a recent radio commercial from the Nevada Division of Insurance, one out of every six vehicles on Nevada roadways has no insurance. Additionally, Nevada only requires drivers to maintain a minimum of $15,000/$30,000 in liability insurance coverage. As a result, if you are involved in a serious motor vehicle collision and you or your family members sustain significant injuries, there is a substantial likelihood that there will not be enough insurance coverage to pay for your medical bills, lost wages, and other damages.

What you must realize is that when you are in an automobile collision, except in extraordinarily rare circumstances, the only means of recovery to you for your damages and injuries is from the at fault driver’s insurance policy. If the at fault driver has no insurance, there is very little probability that you will ever receive anything from that driver. If the at fault driver only has the minimum insurance required by Nevada law, you could be left with substantial unpaid damages and losses. In all but the rarest of cases, there will be no recovery above and beyond the at fault driver’s insurance.

When you purchase automobile liability coverage, you are paying for insurance coverage for people who are injured as a result of your fault in causing an accident. Uninsured/Underinsured motorist coverage is insurance that you pay for to protect your self and your family in the event you are involved in an accident with someone who does not have any insurance or whose insurance is insufficient to cover your damages.

We suggest that you purchase as much Uninsured/Underinsured motorist coverage that your insurance carrier will allow. Uninsured/Underinsured motorist coverage is relatively inexpensive compared to other types of insurance coverage. In many instances, the Uninsured/Underinsured motorist coverage will provide the only means of payment for your medical expenses, injuries and damages. It is an insurance coverage that you cannot afford to be without. If you do not currently have Uninsured/Underinsured motorist coverage, call your insurance agent today and schedule an appointment to review your policy and add this coverage. If you do not carry the maximum amount of Uninsured/Underinsured motorist coverage available to you, call your insurance agent today and schedule an appointment to review your policy and discuss your options.